- Complete blood count
- Fasting plasma glucose
- Differential count
- Bio
- Hemoglobin
What Medical Tests Required For Term Insurance
Term insurance plan safeguards your family against the policyholder’s unfortunate death, who is also the family’s sole bread earner. Generally, when you buy a term insurance plan you would have to provide the insurance companies with proper documents and information. While providing information the insurance company would also ascertain your health status. Let’s check out what medical tests that are required before availing a term insurance plan.
Medical tests may not be compulsory when you buy a term insurance plan at a younger age, but it is always advisable to get one done as your premium depends on your health status. If you suffer from any health ailments and if it is hidden while purchasing the Term insurance plan, it can lead to rejection of claim in the future.
Thus having a medical test before finalising your Term insurance is a wise idea. At times the insurance company provides you with the list of medical tests that needs to be done along with the test centres. Though the tests vary according to each individual, the family’s medical history is taken into account before finalising on the medical tests. As a general rule, the policyholder’s BMI (body mass index) is checked to understand if the insured is prone to any health risks. Other medical tests involve blood tests and urine tests of the individual.
Your smoker or non-smoker status is confirmed with the cotinine levels in your urine test. Your cotinine level should also fall within the acceptable range to avail term insurance plan. Here are the different test profiles that your blood test will include: